The Independent Federal Credit Union is a auto loan from Independent Federal Credit Union. The ongoing APR is APR as low as 4.99% (New 2025 – 2026, 60 Months) to APR as low as 12.99% (Used 2014, Up to 36 Months); Rates effective as of August 1, 2026. Loan terms: New 2025 – 2026: 60 Months to 84 Months; Used 2014: Up to 36 Months.